100% Payment Guarantee Because Free Bill Pay is so secure and reliable, we offer you a 100% Payment Guarantee. You will never pay a late fee or penalty for a properly scheduled payment. No questions asked. **

**We will bear responsibility for any late payment related charges (up to $50) should a payment arrive after its due date as long as you scheduled the transaction in accordance with Bill Pay’s terms and conditions.

Secure Enrollment Process

When signing up for Bill Pay you'll be asked to complete a secure enrollment process which includes providing certain information and confirming test deposits to your account. The steps in the process are detailed below.

For Online Banking, you will need your account number and Phone Banking personal identification number (PIN). Unless you have changed it, this PIN will be the last four digits of the primary member’s Social Security Number (SSN). You will also be asked for an e-mail address. For Free Bill Pay, you just need to verify certain account information, such as account number, birth date and phone number, and select the account from which you wish to pay bills. For eStatements, you will be asked to provide the primary member’s first and last name, SSN, birth date and email address.

Online Banking Click on Register Now from the login page. First enter your account number and Phone Banking PIN. Next you will select a user name and password. The password must be a minimum of eight characters and include both letters and number. You will also be asked for an e-mail address. The next step is to select an image and phrase combination. You then register your computer with us and select three challenge questions, providing your personal answers. That's it. In just a few minutes you're ready to go!

Free Bill Pay Once registered for Online Banking, login and click on the Bill Pay tab to begin the Bill Pay registration process. Once you’ve agreed to the terms and conditions, verified your account information, and selected the account you wish to use for paying your bill; you will be setup with an “unconfirmed account.” This will give you a limited ability to pay your bills. You will receive an e-mail indicating you have been sent two small test deposits and one withdrawal (the sum of the two deposits) in the account you added. Once you verify these transactions, your Bill Pay account will be fully functional.

eStatements This process begins by clicking on the eStatements tab after logging in to Home Banking. You will first need to enter account and personal information, indicate if you wish to receive an e-mail letting you know when eStatements are available, select an “anti-phishing phrase” and then you’re ready to go. You will now enjoy the safety and security of receiving your monthly statements and annual tax form electronically.

How does PCCU use this information?

Challenge questions: These questions are used to confirm your identity when you use a computer that is not registered.

Image and phrase: Our display to you of your secure image and phrase ensures you are truly at the official People's Community Credit Union Online Banking Webpage.

Registered computer: By recognizing your computer, People's Community Credit Union's Online Banking program is assured that the upcoming transactions are from the registered location.

Once you click on Desktop Login, you will be directed to the Online Banking webpage to enter your user name and click the log-in button. On the next page, an image and phrase will be displayed. If these are the ones you selected, you can safely enter your password. If you do not recognize them, this may not be the People's Community Credit Union site and you should not enter your Password. If this is not the computer you have previously registered, you will be asked a challenge question and whether this is a public or private computer. If you answer private, then that computer will now be registered in addition to any other computer you have used to login to Online Banking.